The research, the verification, the reasoning, and the renewal tracking happen in a single pane instead of across eight tabs — with the source behind every finding.
Search with as little as a company name and address. Marvin™ starts assembling the risk picture — company facts, exposure drivers, top findings — preparing you for a quick, informed, and audit-ready decision.
A complete risk analysis executes in under a minute, organized by category. Every piece of data has a source: OSHA, Secretary of State, SAFER/DOT, UCC, licenses, adverse media, litigation, and more.
Price with the full snapshot in view. Export a defensible and audit-ready PDF. At renewal, Relativity6 highlights the changes since bind: NAICS reclassifications, new lines of business, fresh OSHA violations, ownership shifts, adverse media.
One submission pulls every layer below — each one a public source Marvin™ reads, translated into a signal you can price against. Layers marked Core+ are part of the Core+ data pack.
Legal entity, structure, and active status — so the policy attaches to a real named insured.
Insured locations, owned vs. leased, and building characteristics behind property and BOP exposure.
Valuation and financial signal on the locations being rated.
Website and domain age — how established and legitimate the operator looks.
Safety citations, penalties, and repeat violations — your clearest read on workers' comp loss exposure.
The benefit-plan filing: true headcount, plan funding, and a quiet cross-check on company size.
The annual return tax-exempt organizations file — revenue, program spend, and governance for a nonprofit account.
Confirms the entity is active and in good standing, with registration date and structure.
Liens against business assets that reveal secured debt, leverage, and financial stress.
Federal motor-carrier record: DOT authority, fleet size, inspections, and crash history.
License status and class where alcohol is part of the operation and the exposure.
Treasury sanctions and watchlist screening — the compliance gate to write an account at all.
Email authentication (SPF, DKIM, DMARC) and cyber-hygiene warning signs.
Continuous news scanning for litigation, breaches, recalls, and leadership trouble.
Bankruptcy, judgments, tax liens, and negative business events — the financial-distress signals that surface before the loss run.
The synthesis — what the findings mean together, which ones move the price, and what to do before you bind.
The verdict — high, medium or low — driven by the findings that actually change exposure, not a generic score.
How much corroboration sits behind the verdict: how many sources agreed, how recent they are, and what couldn't be checked.
We're building AI for one of the most regulated industries on earth — and we've been at it since 2016. Here's the short version. Full story
Long before “AI” became a pitch-deck bullet, we were mapping the data underwriters needed but couldn't get to fast enough. We started with the question they were actually asking: why is this risk priced the way it is? Marvin™ was born — data, reasoning, and enrichment — to answer it with the source still attached.
Every decision faces audit. Every finding needs a source. Marvin™ technology, our proprietary data and reasoning layer, is built inside those constraints — not around them.
Problems nobody has solved yet, in an industry that rewards endurance. The platform compounds the longer you use it. Relativity6 makes models strong enough to face regulatory scrutiny, building in new territory, and shielding you from AI's hallucinations.
Marvin™ is what's running underneath every snapshot — the system that aggregates from hard-to-access government sites, the public web, and a decade of our own proprietary data layer, then reasons across all of it to surface what matters. Every finding is sourced, cited, or flagged — tied back to its primary source and never asserted beyond what it can back. The thinking layer is Marvin™ technology, and the longer we run, the sharper it gets — and the harder it is to replicate.
Ten years of commercial underwriting research. We've hosted most workflows, most audit standards, most renewal rhythms. Yours included.
Here's what changes when the research, the sourcing, and the gaps are handled for you. The time saved is real — but it's the proof, not the point.
| Without Relativity6 | With Relativity6 | |
|---|---|---|
| Research time per submission | ~45 min across 6–8 sources | ~12 min, single pane |
| Sources checked | Manual — OSHA, Secretary of State, SAFER/DOT, UCC, licenses, news, broker packet | Auto-aggregated, primary-source-linked |
| Renewal process | 2+ hours of manual investigative work | Side-by-side what-changed, flagged by magnitude |
| Data picture | Gaps between broker packets, siloed sources, incomplete data picture | Consolidated and enriched — standardized report powered by Marvin™ |
| Consistency | Depends on who's working the file | Same data picture, same evidence, every underwriter |
| Vendor relationship | A support portal and a ticket in the queue | You have the CEO's cell number — and he texts back on a Saturday |
We put our whole book through it. It came back with accounts we'd misclassified and filings that didn't match the risk— flags buried three sources deep, exposure we'd beenpricing blind.
We can execute a targeted classification exercise or a full snapshot of every account in your book. Marvin™ technology finds risk across your portfolio, audits exposure before renewal season, or pressure-tests your internal classification KPIs.
Start with lightweight API access or a fully embedded platform. Every engagement starts with a conversation.
Bring a real account. We'll run it live through the workbench so you can see exactly how a snapshot forms. No generic pitches, real conversation.
Here's what you get with the Relativity6 workbench.
20 minutes, a real account, no pitch deck. We'll show you exactly what your team gets.
Drop your email and we'll send you a one-pager explaining what we do to whoever matters.
